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A successful liability shift for enrolled cards is required to maintain the security and integrity of the payment system because it helps to reduce the risk of fraudulent transactions. When a merchant has implemented certain security measures, such as technology, they are less likely to be the target of fraud.
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Generally speaking, the rules are as follows: If a card issuer confirms that a card is enrolled under 3D Secure and the cardholder authentication is successful, then the liability shifts from the merchant to the card issuer (e.g. bank). The guidelines suggest that the merchant proceeds with authorisation of the payment.
May 2, 2023 · A successful liability shift is crucial for merchants who accept credit and debit card payments. Achieving a successful liability shift can help protect merchants from chargebacks and fraud losses and ensure compliance with PCI standards. To achieve a successful liability shift, merchants must upgrade to EMV-enabled technology, implement strong ...
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